数字金融：机遇与挑战并存

In summary, digital finance does not have a singular definition, but scholars agree that its emergence has brought new opportunities and challenges to the financial industry. As a tool for inclusive finance, digital finance can help narrow the gap between financially excluded populations and formal financial systems. It can also improve efficiency, lower costs, and create new opportunities for innovation and entrepreneurship. However, digital finance also brings new risks and challenges that require appropriate measures to manage and address.